City Bank Texas
You don't have to be a big bank to offer better mobile banking capabilities. City Bank, with more than $2 billion in assets, allows customers to do much more than "check account balance" through its mobile app.
Like Simple, City Bank lets a customer flip a switch labeled "activation" to temporarily turn off a debit card, should he think it's lost. The bank also allows customers to unblock foreign transactions and view check images within the transaction history. The app also allows customers to glean info, like balances or reward checking status without logging in. That's a big deal. The design (which looks like a tic-tac-toe board) is clearer and crisper than most other banking apps' style sensibilities.
Mercantile Bank of Michigan
Mercantile Bank has been fearless about mobile innovation. It was the first bank to partner with PayPal; it provides PayPal mobile payments and an archive of past transactions on mobile devices. The bank is creating an "add to wallet" feature to let people use mobile payment options from Visa and Google. It's working on integrating its mobile banking app with Mint personal financial management software. And most interesting to us, it is building support for mobile video technology from uGenius. Such a video connection should be a large step toward user acceptance and general usefulness.
What sets Pageonce
apart from other consumer-facing personal finance management software program, such as Mint, is the app lets people pay their bills and other people as well as pull all of their financial accounts into a single view. The Money & Bills app is meant to make the chore of paying bills less painful than what banks offer customers.
The design of the mobile app surpasses many of its PFM peers, largely because the company's roots originated in building for mobile first.
Pageonce's larger ambitions are to build a digital wallet. The startup, which has about 8 million users in the U.S., says it currently processes more than $1 million worth of bill payments per day. Pageonce, which lets users archive bills and schedule payments, offers phone and email support, should customer concerns arise.